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What Your Adjuster May Not Tell You About Car Accident Claims


Dealing With New Jersey Car Accident Claims Adjusters

Are you trying to work with an insurance adjuster after an accident? Don’t leave it up to fate—contact Simon, Sarver, Swetz & Jachts at (973) 834-7252 for assistance.

Sustaining an injury in a truck or auto accident is never welcome. It happens suddenly and without warning and disrupts your whole life. Not only do you have to deal with the injury, the loss of your automobile, loss of income, and every other detail regarding the accident, but you also have to deal with insurance companies.

When dealing with the insurance adjuster from the other driver’s insurance company, do you know your rights? Here is what the insurance adjuster may not tell you about your car accident: the other party’s insurance company is not on your side.
car crash between red and grey sports cars

Insurance Adjusters Work for the Insurance Company

When you file a claim with the other driver’s insurance company about your accident and injury, they will assign an insurance adjuster to your claim. The insurance adjuster will investigate and try to settle the claim with you. However, there are some critical facts you need to know before settling:

  • The insurance adjuster is trying to settle your claim with the least amount of payout from the other driver’s company.
  • If you have the same insurance company as the other driver, the adjuster does not work for you.
  • The insurance adjuster will put the best interest of the insurance company before your best interest.
  • The insurance company wants to pay as little as possible for your claim.
  • The insurance adjuster will look for ways to lower your claim to save the insurance company money.
  • The insurance claims adjuster may not be honest with you when requesting information or asking you to sign a form.
  • The insurance adjuster is most likely seeking information to help the insurance company pay as little as possible for your accident.

Be on the Lookout When Communicating With an Insurance Adjuster

Included in what your adjuster may not tell you is that the first offer they give you is the lowest one. You are hurting and vulnerable, and they know that your judgment is not the best after an accident. Remember that they are working for the insurance company’s best interests.

When you turn down the first offer, the adjuster and insurance company will probably ignore you, hoping that enough time will pass that you cannot sue them. The New Jersey statute of limitations for suing about a car accident claim is two years.

The claims adjuster might suggest that you are exaggerating your injuries. Keep copies of all medical visits and medical bills to prove your injuries are legitimate.

When you speak to an insurance claims adjuster, understand that they record your answers and can use them against you in the claim process. Remember: they are not on your side.

Common Insurance Company Strategies

In an effort to get you to settle the claim quickly and at the lowest amount, the insurance claims adjuster might not tell you that you:

  • do not have to answer their questions immediately—you can decline and seek legal counsel before responding
  • do not have to sign anything—you have the right to speak to an attorney before signing any forms
  • can choose any auto body shop for car repairs, not just theirs
  • don’t have to accept any settlement offers—you can choose to consult with a personal injury lawyer before accepting a claim settlement
  • can call a lawyer right after the accident and anytime after the accident

Where To Turn for Help With an Accident and Injury

When you need honest answers to your questions regarding your liability and rights after an accident, use the information on this website to contact an experienced personal injury lawyer. What your adjuster may not tell you is that you can get an attorney for legal help at any time after the accident and during the claims process.

At Simon, Sarver, Swetz & Jachts, we know insurance companies’ tactics to minimize their payout to you. It’s reasonable to ask for total compensation for your medical bills, doctor’s appointments, loss of income, loss of automobile, and any other outcome from the auto accident that impacts your daily life.

Anything you tell your lawyer will constitute an attorney-client relationship and is private information they will not share unless it affects the positive outcome of your claims case. Contact Simon, Sarver, Swetz & Jachts at (973) 834-7252 to schedule a free consultation.

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